how does it play out over the year? >> i think they're waiting to get as many signed up as possible for the plans before they realize they are going to have to delay the individual mandate because they-- people are just not going to be able to get signed up for coverage. they're going to have to do this. they can't penalize people if they can't buy the plan. stuart: let me-- i'm sorry, i hate to interrupt you, but look, if they do delay the individual mandate, does that gut the whole process or does it-- it just puts off obamacare for a year, doesn't it? >> it does, until the 2014 election. the individual mandate is the center pole in the tent, stuart. if that's taken down, then the whole infrastructure starts to not work and they're going to have to go back to the drawing board and those dozen or so democratic senators who voted for this, who are up for reelection next year, are going to be the ones, i believe, that are going to push for change, delay giving as many people an escape hatch as possible. stuart: let's sup